Is BBVA or BMO more undervalued in 2026?

CirclFi compares Banco Bilbao Vizcaya Argentaria (BBVA) and Bank Of Montreal (BMO) using 13 institutional-grade valuation models. BBVA has a Quality of Company score of 2.0/10 while BMO scores 7.9/10.

Which is a better buy — BBVA or BMO?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do BBVA and BMO valuations compare?

BBVA at $23.13 and BMO at $161.84 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

BBVA vs BMO Valuation Comparison 2026 — Intrinsic Value Analysis

BBVA

Banks - Diversified

Banco Bilbao Vizcaya Argentaria

Quality

2.0

out of 10

Value Trap

—

Price

$23.13

Last close

Models

12/13

Active

BMO

Banks - Diversified

Bank Of Montreal

Quality

7.9

out of 10

Value Trap

—

Price

$161.84

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	BBVA Fair Value	BBVA Upside	BMO Fair Value	BMO Upside
Bayesian DCF	Intrinsic	$7.71	-66.7%	$82.13	-49.3%
Earnings Power Value	Intrinsic	$8.56	-60.9%	$182.75	+12.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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BBVA vs BMO — Which Stock Is More Undervalued?

BMO scores higher with a 7.9/10 quality rating vs BBVA's 2.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Banco Bilbao Vizcaya Argentaria (BBVA) and Bank Of Montreal (BMO) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

BBVA currently trades at $23.13 with a QOC of 2.0/10, while BMO trades at $161.84 with a QOC of 7.9/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).